A calm place to learn
about money, at last.

No. The Reading Companion is designed for adults who feel they have not had a proper introduction to investing. If you have never bought a unit trust, or if you have simply never found the time to read carefully about the subject, the programme begins at a comfortable starting point. Those who have some experience are also welcome — the curated texts tend to offer something new regardless of starting position.

Video sessions are conducted online via a simple video link sent ahead of each session. The reading materials are sent digitally. Occasional in-person gatherings at our Telok Ayer office are arranged for those who prefer to meet the group, though attendance is entirely optional.

The Reading Companion asks for roughly two to three hours of reading per week, plus one optional ninety-minute video session. The Household Finance Programme involves a ninety-minute session weekly and some reading between sessions. The Slow Portfolio Workshop uses fortnightly sessions with reading in between — most participants find two to four hours between sessions is enough to engage properly with the material.

No. Permata is an education provider, not a financial adviser. Our programmes help you understand how different instruments work, what questions to ask, and how to think about your own situation — but we do not tell you what to buy or sell. If you require regulated financial advice, we are happy to point you toward the appropriate channels in Singapore.

Payment is made by bank transfer upon enrolment confirmation. We offer a full refund if you withdraw before the first session. After the programme has begun, a partial refund may be arranged at our discretion based on what remains of the programme. Full details are provided in the enrolment agreement.

Yes. Many of our participants have existing portfolios they inherited or built informally and have never quite had time to examine carefully. The Slow Portfolio Workshop in particular addresses the challenge of reviewing and managing what you already hold, not only building from the start.